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Posted: Thu Jul 16, 2009 2:33 pm
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Posted: Thu Jul 16, 2009 3:17 pm
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Illiezeulette why are all of my dreams about defending my cosmology, defending Wicca, or stressfully sorting out problems in my personal life?
why can't they be like having nice chats with gods and goddesses, flying on puffy white clouds, or running through beautiful fields of wildflowers?
i need to pick up lucid dreaming. ):
Do you deal with a lot of those things in your daily life? I find that when I am stressed about things, it plays out in my dreams. Perhaps a daily time of relaxation, be it meditation, participating in a hobby, or something, would be a help. Something to take your mind off your troubles, if you have any, and smooth out the kinks in your mental processes.
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Posted: Thu Jul 16, 2009 3:52 pm
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Posted: Thu Jul 16, 2009 4:11 pm
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Shearaha Freaking bank scream How can you charge me for overdrafts that didn't happen? That are not reflected in my account at all and then tell me, well just because it hasn't posted doesn't mean that it hasn't left? Isn't that what posted means? scream Hard posted means that we've both sent it and it has been received. Are the items located in your pending (which you may not see)? And in your balance?
But if you can't find it anywhere in your account, it might be located in your pending items. At my bank, those count towards your balance and you can get overdraft for them (although, those usually post with the item that caused it).
Go over day by day balances. Banks should be taking credits first and then debits, so look at the end of day balances. But if a bank paid for something that bounced (checks, bill pays, some debit card stuff. I rarely see returned items, to be honest) then they will charge an overdraft fee.
Be polite and persistent. Most customer service reps have an authority level they can waive fees up to. My own is about $200 or so. If this is the first time you had overdraft fees, or can prove it is a mistake, then they will be more likely to waive them (and if you get me, I'm the fee ******** fairy. I love refunding them), and politeness pays off more than getting angry.
Ask them to re-explain. You may have gotten a rep that just can't explain what happened well. There might be a technical error with batch processing (has happened before with my bank)
What bank do you use?
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Posted: Thu Jul 16, 2009 6:16 pm
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Posted: Thu Jul 16, 2009 8:25 pm
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Posted: Fri Jul 17, 2009 4:33 am
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maenad nuri Shearaha Freaking bank scream How can you charge me for overdrafts that didn't happen? That are not reflected in my account at all and then tell me, well just because it hasn't posted doesn't mean that it hasn't left? Isn't that what posted means? scream Hard posted means that we've both sent it and it has been received. Are the items located in your pending (which you may not see)? And in your balance? But if you can't find it anywhere in your account, it might be located in your pending items. At my bank, those count towards your balance and you can get overdraft for them (although, those usually post with the item that caused it). Go over day by day balances. Banks should be taking credits first and then debits, so look at the end of day balances. But if a bank paid for something that bounced (checks, bill pays, some debit card stuff. I rarely see returned items, to be honest) then they will charge an overdraft fee.
Thanks Nuri, can I call you Nuri?
Looking at my running statement nothing went into overdraft. Several of the items they listed to me over the phone as overdraft are still pending. Not once in my statement does it show a negative. My end of day balance each day was positive. Which is why I'm having such an issue with this. If I put money in before the charges go through then it's not an overdraft. And five charges? The total ammout they're saying I overdrafted was 25 bucks. Each overdraft charge is $37.50.
maenad nuri Be polite and persistent. Most customer service reps have an authority level they can waive fees up to. My own is about $200 or so. If this is the first time you had overdraft fees, or can prove it is a mistake, then they will be more likely to waive them (and if you get me, I'm the fee ******** fairy. I love refunding them), and politeness pays off more than getting angry. Ask them to re-explain. You may have gotten a rep that just can't explain what happened well. There might be a technical error with batch processing (has happened before with my bank) I'm usually the nice one when it comes to contacting customer services, but I did loose it a little yesterday. I ended up speaking with the guys supervisor and still didn't get anywhere. I'm going to the bank bank today to talk with someone and see if I can get this straightened out. I really don't like getting angry with people. I usually leave that up to my husband.
Huntington.
I've never had an issue. When there's been issues before they were always able to explaine things in a way that made sense and at least work with me on things. Just last week they called with a customer service survey and I gave them excellent rating on all of my interactions with them.
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Posted: Fri Jul 17, 2009 3:39 pm
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Posted: Sat Jul 18, 2009 2:34 pm
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Posted: Sat Jul 18, 2009 3:24 pm
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Posted: Sat Jul 18, 2009 5:06 pm
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Posted: Sat Jul 18, 2009 10:29 pm
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Violet Song jat Shariff Crew
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Posted: Sat Jul 18, 2009 10:41 pm
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Posted: Sat Jul 18, 2009 11:07 pm
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Violet Song jat Shariff Crew
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Posted: Sat Jul 18, 2009 11:09 pm
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